For many, retirement feels like standing at the edge of the unknown—years of diligent saving piled high, yet a mindset too cautious to dip in and savour the rewards. That cautiousness? We get it. Security matters.
Many of our retirement planning clients come to us with a mindset shaped by decades of careful saving—a mindset that places a premium on security, often at the expense of enjoying the wealth they’ve worked so hard to accumulate.
But at Black Belyea Private Wealth Management, we rewrite the script. Enjoying life today doesn’t mean you have to struggle tomorrow. We can show you how it’s possible to do both.
Yes, we recognize this advice doesn’t exactly work in our favour; but that’s OK. Our ultimate goal is to serve you and ensure you not only have what you need but can live more comfortably knowing your future is still secure.
The Freedom of a Living Plan
Living fully now while planning for the future: That’s what retirement should be—a chance to indulge in the richness of life, not tiptoe around it. We build a dynamic “living plan” that grows with you, adapts, and makes sure your wealth isn’t just growing; it’s flowing—towards the things that make you feel alive.
We adjust, refine, and recalibrate with you—whether that means revisiting investments, optimizing for tax breaks, or pivoting when life throws the unexpected our way.
Our “living plan” is just that—alive, breathing, bending with every twist your journey takes. Grandkids, health issues, dream houses, travel splurges—whatever happens, we make sure the plan adapts to fit.
We don’t simply deliver a binder full of charts and then step back. Our approach as a Saint John-based financial advisor and financial planner? It’s all about building an ongoing partnership—one where we’re always here to strategize, refine, and support you, adapting your plan as needed. Whether it’s revisiting your investment strategy, adjusting for tax implications, or ensuring your retirement savings are there when you need them, we’re always moving forward with you.
Peace of Mind Means Full-Picture Planning
You want to know everything connects—no frayed ends, no out-of-sync strategies. That’s why our approach to retirement planning starts big-picture. Investments, income streams, tax implications—it’s all connected in your retirement plan, all driving towards one goal: You, living the best version of your retirement.
Forget about hoping the numbers add up—our focus is making sure every dollar works for you. True peace of mind comes from knowing that no matter what life brings, you’re ready, supported, and aligned with what matters most.
A Retirement Plan Built Around Your Dreams
Retirement isn’t simply “not working” anymore. It’s about living the life you’ve earned through your hard work and perseverance. We start where it matters—your dreams—then we figure out the dollars.
We piece together defined benefit retirement plans, RRSPs, RRIFs, and income to align with what you want now, not just what’s “smart” on paper. Our goal? Keeping your aspirations front and centre, while crafting a plan that’s all about realizing them.
Turning Savings into Freedom—Decumulation Strategy
Retirement can be unnerving—shifting from saver to spender feels like stepping off solid ground. Years of saving, and now it’s about spending wisely—without the fear of running out. That’s why we’re here, guiding you through decumulation—deciding which accounts to draw from first, finding ways to cut tax, and showing you that it’s okay to enjoy what you’ve earned.
Our tailored decumulation plans? They’re not just about numbers—they’re about making sure you enjoy your life. Because the last thing you need during retirement is anxiety about spending.
Keeping Your Money Yours—Tax Efficiency
Tax can be the sneaky thief of retirement’s freedom. This is why we are strategic when it comes to sequencing withdrawals, maximizing tax credits, and leveraging opportunities to keep your wealth in your hands. Our tax-efficient approach isn’t an add-on; it’s baked into every step—making sure your money stays working for you.
Income splitting, credits, or timing—we use every tool available to put more dollars where they should be—supporting your lifestyle and your goals.
Investment Management—Still Working, Just Different
Retirement doesn’t mean your money clocks out. There’s a common misconception that affluent Canadians don’t need a plan; they have money. That couldn’t be further from the truth. The right investments keep working—growing your wealth, managing risk, and making sure inflation doesn’t erode what you’ve built. We adapt your investments so they align with who you are today—whether that’s leaning towards stability or still hungry for growth.
Conservative? Balanced? It’s about what makes sense now—not locking into strategies designed decades ago. With Black Belyea Private Wealth Management, investments evolve, just like your life does.
Beyond Today—Legacy and Estate Planning
Retirement’s about the here and now—but it’s also about what happens after. Crafting a legacy that reflects your values, ensuring your loved ones are taken care of, minimizing taxes—it’s all part of how we plan for your “living” and beyond.
Setting up trusts, earmarking donations, or planning inheritances—we make sure what you leave behind tells your story. Our estate planning isn’t a one-size-fits-all checklist—it’s deeply personal, deeply important. We make sure your wealth has an impact beyond your lifetime—that the ones you love are secure, that your story continues in the way you wish.
Your Partner for Retirement and Everything After
At Black Belyea Private Wealth Management in Saint John, we don’t see retirement planning as a one-off task—we see it as an ongoing partnership. A living, breathing plan that flexes with you, a strategy that never stops adapting. Taxes, investments, estate planning—we bring all the pieces into one cohesive approach, designed to meet life head-on.
Ready to live the retirement you’ve imagined? Ready to build a plan that’s more about freedom than fear? Black Belyea Private Wealth Management is here, your Saint John-based financial advisor, financial planner and partner for all of it—the small moments, the big decisions, the surprises, and the quiet days.
Let’s create something extraordinary—a retirement that’s rich in every way. Reach out today—let’s make it happen, not just for tomorrow, but for right now.